Spolton Mortgages

Business Details

9 Years

experience

Trusted Mortgage Brokers in Sleaford

Spolton Mortgages is a family-run mortgage and insurance brokerage established in 2017, founded by Nick and Kasia Spolton. Our team combines decades of banking experience with a commitment to providing clear, honest advice tailored to individual client needs. We operate from our Sleaford office, serving clients across Lincolnshire and the UK through in-person, home visit, and virtual consultations. Our services span residential mortgages, buy-to-let financing, complex cases, and insurance protection products. We maintain independence from specific lenders, accessing the whole market to find suitable solutions for clients.

Our fee structure includes transparent pricing with discounts for Armed Forces personnel and blue-light workers. We prioritise long-term client relationships over transactional interactions, supported by a team of experienced mortgage advisers and administrators. Our regulatory compliance is maintained through our association with Stonebridge Mortgage Solutions Ltd, authorised by the Financial Conduct Authority. We specialise in simplifying mortgage processes for first-time buyers, remortgagers, and those with non-standard financial circumstances.

Services

Residential Mortgages Buy-To-Let Mortgages Mortgage Protection Advice First-Time Buyer Mortgages Remortgaging Services Bad Credit Mortgages Self-Employed Mortgages Equity Release Insurance Broker Services Armed Forces Mortgages

Details

Year established: 2017

Highlights and features

We offer free initial consultations with no obligation to proceed
Our advisers access 100s of mortgage products from the whole market
We provide specialist support for Armed Forces personnel and blue-light workers
Our team includes former bank managers with decades of financial services experience
We maintain transparent fee structures with military service discounts

Website

Update Listing

Services

Residential Mortgages

We provide tailored residential mortgage solutions for first-time buyers, home movers, and remortgagers. Our advisers compare thousands of products across the market to find competitive rates that match your financial circumstances. Clients benefit from our independent status, which allows us to recommend products from specialist lenders as well as major high street banks.

Buy-To-Let Mortgages

Our buy-to-let specialists help property investors secure financing for rental portfolios. We explain lender criteria, stress tests, and deposit requirements while comparing deals that maximise investment returns. Our service includes portfolio management strategies and remortgaging options for growing landlords across Lincolnshire and the UK.

Mortgage Protection Advice

We offer independent insurance advice to protect your mortgage and family finances. Our services include life cover, critical illness insurance, income protection, and family protection policies. We compare market options to find policies that align with your mortgage terms and personal circumstances, ensuring financial security for dependants.

First-Time Buyer Mortgages

We specialise in guiding first-time buyers through the mortgage process with clear explanations of government schemes and deposit options. Our advisers explain Help to Buy, shared ownership, and family deposit schemes while comparing lenders that accept smaller deposits. Clients receive step-by-step support from initial consultation to completion.

Remortgaging Services

Our remortgaging service helps homeowners save money by switching deals at the end of their current term. We review your existing mortgage terms, compare new market offers, and recommend options that reduce payments or release equity. Our advisers explain porting options and early repayment charges to ensure informed decisions.

People

Nick Spolton

Joint Founder and Director

Former Lloyds Bank Senior Bank Manager with 20+ years financial services experience. Co-founded Spolton Mortgages to provide honest mortgage advice. Specialises in complex cases and client relationship management. Holds FCA-approved mortgage qualifications.

Kasia Spolton

Joint Founder and Director

Ex-Lloyds Bank community branch manager with decade-long local banking experience. Focuses on client care and protection insurance. Combines financial expertise with multilingual communication skills. Oversees office operations and client experience standards.

Seth Jackson

Mortgage Adviser

32-year financial industry veteran with specialist knowledge of mortgage products and market trends. Provides expert guidance on residential and investment mortgages. Holds advanced mortgage advisory qualifications. Prioritises clear communication and long-term client relationships.

John Hallam

Mortgage Adviser

25-year banking professional offering mortgage expertise in Radcliffe on Trent. Specialises in first-time buyer mortgages and local property market conditions. Provides straightforward advice tailored to individual financial circumstances. Maintains regular client contact throughout the mortgage process.

Tom Clifton

Mortgage Adviser

Former Royal Air Force flight operations specialist with strong problem-solving skills. Applies military precision to mortgage advice, focusing on clear communication and attention to detail. Supports clients with complex financial situations and Armed Forces mortgage requirements.

Questions

What mortgage types do you specialise in?

We specialise in residential mortgages, buy-to-let financing, first-time buyer schemes, remortgaging, and complex cases including bad credit and self-employed mortgages.

Do you offer free mortgage consultations?

Yes, we provide free initial consultations with no obligation to proceed, including in-person, phone, and video appointments.

How do you get paid for mortgage advice?

Our standard fees are £199 on mortgage offer and £100 when the mortgage completes, with discounts for Armed Forces personnel and blue-light workers.

Can you help with mortgage protection insurance?

Yes, we offer independent insurance advice including life cover, critical illness, income protection, and family protection policies tailored to mortgage needs.

Do you work with local lenders?

We access the whole mortgage market including local Lincolnshire lenders, major high street banks, and specialist providers.

What areas do you cover?

We serve clients across Lincolnshire including Sleaford, Lincoln, Boston, Grantham, Newark, and Stamford, with virtual consultations available nationwide.

Reviews (6)

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James Taylor

Apr 10, 2026 Report

I needed to get a mortgage raising capacity report and came across Spolten Mortgages via Google. After browsing their site I sent them a message one evening and got a prompt email back the next morning. Within a week I had a face to face meeting with Nick who is very friendly, professional and made the experience an easy one. By the end of the meeting I had the report I needed as well as getting some important information for the future. Although I wasn't using their services to find a mortgage; I'll have no hesitation in using their services when I do need one.

Megan Curtis

Feb 13, 2026 Report

It was my partner and Is first time getting a mortgage as first time buyers. We started (and ended) our mortgage process with Tom. We did speak to some other members of the team throughout our journey and they were lovely and, so friendly. We would like to send a special thank you to Tom for his support, guidance and care. It is always very daunting when you start the mortgage process as a first time buyer, but Tom made it feel so easy, explained everything thoroughly and was there whenever we needed him. Tom made regularly check ins and pushed the solicitors if they started to take their foot off the gas. I dont think we would be where we are now without him. We look forward to dealing with Spolton Mortgages in the future!

Will Boden

Feb 12, 2026 Report

A very helpful business, they always manage to pick up the phone whenever I rang and set me up meetings. Seth was a very nice, friendly and helpful chap. As someone looking at getting on to the property ladder he was able to answer any question I had about the process even if it wasnt about mortgages necessarily. Very professional and was clearly very knowledgeable and was able to explain everything in a way that I could understand.

Emma

Feb 05, 2026 Report

I can not praise Seth and the Team at Spolton more and I will absolutely be a returning customer. The online portal was a really useful way of keeping things paper-free and Seth was amazingly patient and kind. We had a last minute hiccough which couldn't have been predicted and he dealt with it with complete calmness and reassurance (even when I was having a panic!). A completely professional company with a wonderfully human touch. 100% recommend.

Ryan Pearcy

Jan 31, 2026 Report

I can't speak highly enough of the experience I had with Spolton mortgages. I was with John and he was great. His communication skills ensured I was always aware of the progress of my applications. I was given multiple choices with no pressure and was tailored to my needs as much as I needed. I will be going back every time I need this type of service and will be highly recommending them to all my friends.

Saskia Watts

Dec 11, 2025 Report

I would recommend Spolton Mortgages to anyone! We were first time buyers, and started our mortgage process with Nick, later being supported by Tom. Their customer service is impeccable; They truly care for you and are with you every step of the way. As Tom supported us through the majority of our process, I want to make a special thank you to him. He made the process enjoyable even in stressful times, explained everything thoroughly and if we ever had a question he was always at the end of the phone.

Nothing was ever a silly question and he made us feel so comfortable, with frequent check ins throughout and towards the end. We are extremely grateful for Toms support and positive, friendly attitude. I wouldnt have known what to do without his support at times, with this all being new to us we were and are so grateful to have such positive support and care.